30 Years Later
My parents taught me to save when I was very small. They started my first savings account and taught me to work hard and save for the things I needed and wanted.
As a teenager, I invested hours of hard work on the family farm – saving money for school, for a vehicle (a 1975 Oldsmobile Cutlass!), and of course, for my future needs....
Beware of The Parent Trap
Throughout my career as a lender I have seen countless young people make the same financial decisions that ultimately lead them into some tough times. If you are just starting out on your own, or know someone who is, do not fall into what I like to call The Parent Trap.
As we are raised by our parents, we become accustomed to the lifestyle that they afford us.
Cell phones. New clothing. Plenty of food. Reliable transportation. Things that are frequently taken for granted....
It's Christmas time…you are stopping by the grocery store to pick up the two things you meant to get yesterday. You can’t have a Christmas party without a cheeseball so you HAD to go again.
For the second time this week you throw your scarf around your neck and hop out of your car and then... you hear it.
The bell ringing.
You quickly take inventory in your mind…do I have any spare change in my pocket? Nope.
What about my wallet or purse?...
A Gift from Us to You
A shipment of Spend Wisely stickers arrived just in time for the holiday spending season and we want everyone to have one. These little stickers are FREE but supplies are limited, so be sure to get yours today! You can order online now or stop by any First Southern branch to pick one up....
You Can't Save or Give What Is Already Spent
I received a phone call the other day from a young couple inquiring of me some strategic advice for funds they had received from selling a business. As their story unfolded, it became clear that they were looking for the same thing many of us look for – “balance” in our lives. They wanted to give, they wanted to save and they wanted to spend but didn’t really know where to start....